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Top Entrepreneur, Turned Author, Releases New Book for All Consumers: The Secrets of Money: A Guide for Everyone on Practical Financial Literacy.











Fort Collins, CO (PRWEB) December 10, 2007

Entrepreneur, and now author, Braun Mincher has released his first book, The Secrets of Money: A Guide for Everyone on Practical Financial Literacy. The 472-page information-packed book is being considered by many as the “Encyclopedia of Personal Finance” and is the single-source of what EVERYONE (young or old, rich or poor) needs to know about basic Financial Literacy. Braun Mincher was inspired several years ago to write this book after seeing how financially illiterate many consumers are, and how little is being done in the way of financial education at any age or degree level. Topics in the book include: Consumer Credit, Mortgages, Real Estate, Car Buying, Insurance, Taxes, Investing & Saving for the Future, Estate Planning and Keys for Financial Success.

Author Braun Mincher is a young and successful entrepreneur who had the ability to “retire” several years ago at the age of 30, a self-made multi-millionaire, despite dropping out of college to grow his first business. His new book is targeted to all consumers, regardless of age, education or income level, and not just the business or financial savvy, as many competing titles cater to. Using a concise and conversational writing style, Braun reveals what is not taught in schools, at any level, short of a specialized degree. Because of the practical, rather than theoretical, manner in which the information is presented, using real-life examples and case studies, readers will clearly see how items of interest relate to their own individual financial situations.

Would you believe that doctors and lawyers make the same financial mistakes as homeless people? According to Braun Mincher, “40% of consumers live beyond their means, half are living paycheck-to-paycheck, and the national savings rate is now a negative number. We need to reverse this trend through better financial education of both adults and students or we face dire consequences in the coming years.” Mincher has developed a highly comprehensive website at FinancialLiteracyQuiz.com with numerous resources to better educate consumers about all aspects of Practical Financial Literacy. One of the highlights is a multiple-choice, 50-question, “Financial Literacy Quiz” where visitors can test their own knowledge and compare scores with their friends. However, those not able to pass the quiz with a score of at least 75% should seek additional Financial Literacy education.

Following Braun Mincher’s financial advice will help readers to:


Make more money by putting them in better control of their finances;
Save them money; possibly thousands of dollars over a lifetime; and,
Be better educated consumers when it comes to money.
Anybody can write a book, but Braun Mincher is equally passionate about creating a nationwide movement and positive change of behavior when it comes to personal finance. To this end, he has issued a “Challenge” to high schools and colleges across the country to make practical Financial Literacy classes a graduation requirement, just like math, English, science, etc. Presently, only 7 states have such a requirement. Naturally, most parents and business leaders are in favor of this initiative, but some in the academic and education communities have pushed back with a multitude of excuses. Not easily taking “no” for an answer, and in the same entrepreneurial fashion that made him a success in business, Braun Mincher is forging ahead with his project, and subject to certain conditions, is not only offering to provide the curriculum, but also offering a textbook for each student at no charge.

The Secrets of Money: A Guide for Everyone on Practical Financial Literacy is available through BraunMincher.com, Amazon, Barnes & Noble, Borders and other nationwide retailers. The ISBN-13 is 978-0-9797003-0-9 and the soft cover price is $ 21.95.

About the Author: Braun Mincher is a young and successful entrepreneur who had the ability to “retire” several years ago at the age of 30, a self-made multi-millionaire, despite dropping out of college to grow his first business. NBC’s Today Show, The Wall Street Journal, Inc. Magazine, Success, POV and Nation’s Business–have all showcased his talents. Winner of the prestigious Entrepreneur of the Year award, Braun was able to become financially independent by working hard and following his own financial advice, which is now shared in his new book–and others have paid Braun $ 300 an hour to obtain. He now pursues his passion of better educating ALL consumers, and not just the business or financial savvy, on the topic of Practical Financial Literacy.

For Additional Media Information or to Arrange an Interview:

Email: Media(at)BraunMincher.com

Phone: (970) 212-2400, Option #2 (Media Relations)

BraunMincher.com

FinancialLiteracyQuiz.com

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







New Teleseminar From HSA for America Helps Consumers Understand Health Savings Accounts










Fort Collins, CO (PRWEB) November 9, 2006

Over 3 million people are now covered by health insurance plans that work with Health Savings Accounts (HSAs), and many more are rushing to sign up for one before January 1 in order to lock in their tax savings for 2007. Because these plans are still relatively new, there is still some confusion about how they work. So HSA for America is putting on a teleseminar titled, “Is an HSA Right For You?”. The teleseminar is scheduled for Friday, November 10 from 3:00 p.m. to 4:00 p.m. EST.

“This teleseminar is designed to help the person who is purchasing their own individual or family health insurance plan make an informed decision” said Wiley Long, President of HSA for America. “Because of the lower premiums, the tax savings, and the potential to save for future medical expenses, HSA plans have become extremely popular among people who are buying their own individual plans. Callers will learn how HSA plans work, how to calculate their premiums, and how to calculate their income tax savings.”

Health Savings Accounts are special tax-favored accounts where anyone with a qualifying high deductible health insurance plan can put aside tax-free money to pay for future medical expenses. The money can be used for virtually any type of medical expense, and money left in the account rolls over and grows tax deferred like an IRA. The teleseminar will cover:

– How HSA plans compare to conventional co-pay health insurance

– How to use your HSA to build a Medical Retirement Account

– How an HSA can make all medical expenses tax-deductible

– When an HSA can be used to pay for alternative care like acupuncture or homeopathy

– The types of HSA-qualified health insurance plans available

– How to choose a plan and apply for coverage

– How to establish a health savings account

The HSA for America teleseminar is offered to registered participants at no charge. For more information about the Health Savings Account Teleseminar and how to sign up, visit: http://www.HSAforAmerica.com/teleseminar.htm

HSA for America is the nation’s leading independent health insurance firm specializing in individual and family coverage that works with a Health Savings Account. Through our comprehensive website we offer complete information on HSAs and qualifying health insurance plans. We offer instant quotes, online health insurance applications, and access to several banks that can act as an HSA administrator for your account. Visit http://www.HSAforAmerica.com for complete information.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







Find More Insurance Fort Collins Press Releases

Tax Benefits of Health Savings Accounts Lure Consumers, Businesses










Fort Collins, CO (PRWEB) December 10, 2007

Many people are rushing to get a Health Savings Account in place before the end of the year in order to lower their 2007 taxes. These tax-favored accounts, which have only been available since January of 2004, can be opened by anyone with a qualifying high-deductible health insurance plan. Once you open an account, you can place tax-deductible contributions into it, which can then be used later to pay medical expenses. Any money not used grows tax-deferred, like an IRA.

Health Savings Accounts offer many tax advantages over traditional health insurance arrangements. Here are 10 ways Health Savings Accounts offer tax savings:

1) Reduce your federal income taxes. Regardless of your income level or how your income was earned, any money you deposit into your Health Savings Account is considered an “above-the-line” deduction, giving you a 100 percent write-off against adjusted gross income.

2) Reduce your adjusted gross income, helping you to qualify for other lucrative tax breaks tied to overall income.

3) Reduce your state income taxes. All states except four (AL, CA, NJ, and WI) offer a tax deduction for Health Savings Accounts.

4) Tax-deferred growth. Like funds in an IRA, the money in your account grows free from federal taxes.

5) Pay for dental expenses with pre-tax dollars.

6) Pay for vision care with pre-tax dollars.

7) Pay for alternative care with pre-tax dollars, including chiropractic, acupuncture, homeopathy, ayurvedic medicine, herbal medicine, or any number of other so-called alternative treatments.

8) Pay for aspirin, bandages, cold medicine, and other household medical expenses with pre-tax dollars. A list of HSA qualified expenses is available from HSA for America at: http://www.health–savings–accounts.com/qualified-expenses.htm

9) Pay Medicare expenses with pre-tax dollars, including Medicare premiums, deductibles, copays and coinsurance.

10) Pay for long-term care insurance with pre-tax dollars.

A Health Savings Account (HSA) enables anyone with a qualifying high-deductible health insurance plan to shelter up to $ 5,650 from federal income taxes. HSA-qualified health insurance must be in place by December 31, 2007, in order to benefit your 2007 tax return. By reducing your adjustable gross income, enabling you to pay for medical expenses with pre-tax income, and through tax-deferred growth, HSAs can reduce your income taxes in at least 10 ways.

About HSA for America:

HSA for America is a nationwide brokerage firm specializing in individual and family health insurance plans that are qualified to work with Health Savings Accounts. HSA for America represents many different insurance companies, offers instant quotes, online applications and comparisons of independent HSA administrators. Visit us online at: http://www.health–savings–accounts.com

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







Find More Insurance Fort Collins Press Releases

HSA for America Releases 2008 Edition of ‘The Complete Consumer’s Guide to Health Savings Accounts’










Fort Collin, CO (PRWEB) February 21, 2008

HSA for America, the nation’s number one source for individual and family HSA-qualified health insurance plans, announced today the release of their 2008 edition of “The Complete Consumer’s Guide to HSAs.” The vast distribution of past editions of this guide has proven to be an asset to those seeking to be fully informed about Health Savings Accounts. This report is available free of charge to anyone interested in learning more about Health Savings Accounts at: http://www.Health–Savings–Accounts.com/free-guide.htm

“As people look for ways to lower their health insurance premiums and reduce their taxes, the interest in HSAs has continued to soar,” says Wiley Long, President of HSA for America. “With all the confusion that exists for consumers attempting to make the best health insurance decisions for themselves and their families, it is more important than ever to provide a resource with complete and accurate information to dispel the confusion. There seems to be a lack of understanding about how HSAs work, even among bankers, insurance agents, CPAs and other financial advisors. This guide will help people understand how they can use an HSA to lower both their taxes and their health insurance premiums, and at the same time build a second retirement.”

“Because an HSA is the only investment tool that gives a tax-deduction now, along with tax-free withdrawals later, it is actually the first retirement vehicle that should be funded,” Long added. “Medical bills will be a large expense to the typical retiree. By establishing a fund now that can be used to pay for future medical expenses, one can make their retirement dollars go much farther.”

“The Complete Consumer’s Guide to HSAs” offers a thorough explanation of the many benefits that come with an HSA plan. This guide provides step-by-step instructions on how to choose the best HSA-qualified health insurance plan, how to enroll, and how to establish a Health Savings Account. There are also strategies to maximize the potential tax benefits and future savings. The guide also includes information about all the little-known expenses that can be paid by an HSA, including alternative medical care, over-the-counter medication, and maternity expenses.

About HSA for America:

HSA for America is an online health insurance broker specializing in Health Savings Accounts. Our Mission is to find individuals and families the best coverage available to meet their needs at the lowest price the market offers, while at the same time making the process easy. You can visit us online at http://www.Health–Savings–Accounts.com/

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







Related Insurance Fort Collins Press Releases

Consumers Turn to Low Cost Health Savings Accounts to Save Money











Fort Collins, CO (PRWEB) February 23, 2009

As the economy becomes increasingly unstable, consumers are looking for ways to save money wherever possible – especially on the high cost of health care and health insurance plans. According to HSA for America – a leading U.S. health insurance provider, a large number of consumers are switching to high-deductible Health Savings Account (HSA) plans from low-deductible, higher rate health insurance plans.

When individuals and families enroll in high-deductible HSA-qualified plans, their health insurance premiums can be reduced by as much as 40 percent off of the cost of conventional co-pay health insurance plans. The switch to an HSA plan may save members thousands of dollars each year off of their healthcare costs. Plus, HSA plans also help to reduce the amount of taxes people have to pay each year.

“We’re finding that has been is a huge surge over the past three to four months in the amount of inquiries and enrollees into our HSA programs,” said Wiley Long, President of HSA for America. “Our clients are looking for ways to continue to receive high quality healthcare while also saving as much of their money as possible. The HSA option is viable for just about every one of our clients and can help to ensure that they are able to save money and still get a high level of health care.”

Also according to Wiley, when people enroll in an HSA plan, they can roll their premium savings into tax-deferred investments that work similarly to IRAs. “HSA plan members can set aside money in small increments that can be used for current or future healthcare costs,” said Wiley. “Just like any investment, they can continue to contribute to their HSAs for life so that they will have available funds when they need them, even if they don’t need them now.” Contributions to the HSA are tax-deductible, and the money growth is never taxed if it is used for a medical-related expense.

HSA for America offers a variety of HSA plans for individuals, families, and small businesses. For more information about plans from HSA for America, visit http://www.HSAforAmerica.com.

More About HSA for America

HSA for America offers a wide variety of tax-deductible HSA plans for individuals, families, and businesses that help members save up to 50 percent off of the cost of their medical expenses. These HSA programs are designed to help members save money while also growing their savings accounts through wise investments. HSA for America HSA plans allow members to save money by using pretax dollars for qualifying medical expenses, including dental expenses, mental therapy, physical therapy, alternative treatments (such as acupuncture), transportation and lodging related to medical expenses, non-prescription medications, and more.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







Car Insurance Alert: Three Insider Tips Geico, Progressive and Allstate Often Don’t Share with Consumers Revealed on New Micro Web Site












Philadelphia, PA (PRWEB) July 30, 2008

Michael Dortch has been in the auto insurance industry for over 16 years and online since 1995. And what he sees now astounds him. As Dortch explains, “Push button, cookie cutter quotes often fail to deliver what’s ultimately best for the auto insurance consumer. We end up fielding lots of calls from shoppers frustrated from the online form process, no question,” http://www.InsureDirect.com/autoinsurance.

According to industry statistics, the total private passenger auto insurance market represents over $ 150 billion in written premiums. And on the surface, online car insurance shopping seems appealing. Consumers have a choice and can go direct to companies rather than deal with agents and brokers. And yet it’s often what consumers can’t control that impacts the process, the coverage and the online car insurance quotes they ultimately receive.

Before any consumer purchases car insurance, Michael Dortch shares three “buyer beware” tips:

Tip #1: Online car insurance providers all utilize the same computer system for quotes: Since the allure of shopping online is often instant savings, the fact that different providers use the same backend computer system comes as a real surprise to car insurance shoppers. An online consumer expects customized and immediate car insurance quotes. In reality, after completing multiple forms, a consumer may simply be referred to an agent who will deliver a quote, often days later. Typically, it’s the same non-customized quote every site will typically provide.
Tip #2: Beware cookie cutter quotes with limited to no customization and real savings: Online forms can’t possibly capture special circumstances with a driving record, credit history and more. Online forms are the lowest common denominator way of processing information. For that reason, Dortch encourages consumers to call and ask questions wherever possible.
Tip #3: Beware of front end sites that will sell and resell personal information: While such sites resemble other auto insurance sites, their ultimate goal is to capture a consumer’s personal and valuable information. Once captured, that information is then sold and resold, often multiple times. Auto insurance consumers are then subjected to unsolicited emails, phone calls and more.
Dortch realizes some consumers will naturally prefer control over the process and are satisfied with their online auto insurance choices. His company also provides online car insurance. And yet, he firmly believes there is a vital role of customer service in the auto insurance business. As recent customer, Kirsten Mackenzie of Denver, CO, said of InsureDirect.com, “They took all my information over the phone and got me three quotes in minutes. I saved over $ 270.”

To learn more helpful tips on auto insurance coverage and prices, visit:

http://www.InsureDirect.com/autoinsurance/ or call: 866-720-0646. For media inquiries, please call: 866-720-0646.

About InsureDirect.com:

Since 1992, InsureDirect.com has provided car insurance for drivers throughout the US. Licensed, in 46 states, InsureDirect.com has a 95% customer retention rate and is dedicated to lowering car insurance premiums wherever possible upon policy renewal.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







More Auto Insurance Co Press Releases

InsureMe Launches Insurance Blog for Consumers










Denver, CO (PRWEB) May 8, 2006

InsureMe, the leading consumer-agent link to finding insurance online, has announced the launch of the InsureMe Insurance Blog, targeted at consumers with insurance-related questions.

The blog, an online forum where authors post short articles and commentary, addresses the top news in health, life, home and auto insurance, as well as state-specific issues and related topics facing consumers. The blog is interactive, which allows readers to post their questions and comments on each entry.

“One great advantage of the blog is that consumers can browse the entries and post their comments and questions in real-time,” says James Omdahl, InsureMe affiliate manager. “It also allows us to interact with consumers and address their questions and concerns.”

The blog is co-authored by InsureMe’s copywriting staff and is updated daily with insurance news, as well as shopping and saving tips on the various types of insurance. Recent posts include commentary on medical tourism and tips for proofing homes from active spring weather.

“Helping people find the right insurance is our top priority,” adds Omdahl. “By giving consumers more than just insurance quotes, they can make educated decisions about their coverage.”

The InsureMe Insurance Blog is part of the company’s comprehensive Consumer Resource Center, which contains numerous insurance-related articles. The blog is also part of the InsureMe blog network; all of the InsureMe blogs can be found at http://www.insuremeblog.com.

About InsureMe

InsureMe, an Englewood, Colorado-based company, links agents nationwide with consumers shopping for insurance. InsureMe desires an open dialog with customers and hosts several blogs to encourage free flow of information about the industry and the InsureMe company. InsureMe has helped millions of consumers find insurance coverage, while providing thousands of insurance agents with leads nationwide. For more information, visit http://www.insureme.com or http://www.insuremeblog.com.

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Vocus©Copyright 1997-

, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.







More Insurance Denver Press Releases

Denver, Colo. (PRWEB) January 27, 2008

With the opening of its third Denver area clinic, AfterOurs Urgent Care expects to save the Denver community over $ 500,000 dollars a month in unnecessary emergency room (ER) costs. These clinics will allow stressed Denver area ER’s to deal with more critical illnesses; the main reason they exist.

By leasing clinic space from successful daytime physician practices for use nights, weekends, and holidays, AfterOurs reduces their capital investment by 70 to 80 percent vs. typical urgent care centers, allowing them to staff their centers much later than other urgent care centers, as well as pass along huge cost savings to their customers and insurance providers. An electronic medical records system, and a virtually paperless office environment make the sharing of space possible.

Urgent Care-2

“Many systems continue to invest in ER infrastructure, but much of the solution for ER overcrowding is tied to people choosing the appropriate place of service. Our health system partners see that creating appropriate system access points to improve the overall patient experience, while not competing with their community physicians, will produce a competitive advantage”, said Christopher Rehm, AfterOurs’ Executive Director.

Though AfterOurs is largely affiliated with HealthONE, Denver’s largest health system, they do not plan on stopping in Denver. The upstart company has completed a joint venture with Omaha’s largest health system, Alegent Health of Omaha, with 3 to 5 clinics planned. The first Alegant Health AfterOurs Urgent Care clinic will open in Spring of this year. St. David’s Healthcare of Austin has also entered into a Memorandum of Understanding for development options that could support a number of clinics in the Austin area. AfterOurs expects to be in up to twenty markets with up to 100 clinics before all is said and done.

About AfterOurs Urgent Care

AfterOurs Urgent Care is dedicated to providing high quality, low cost, and efficient healthcare services when physician offices are closed. Formed in 2005, AfterOurs operates clinics in Denver, Highlands Ranch, and Thornton. Visit www.UrgentCare1AM.com for more information.

AfterOurs Urgent Care Sentinel Events

Denver, CO 12/07: HealthONE AfterOurs opens first Downtown Denver clinic

Denver, CO 11/07: HealthONE, Denver’s Largest Health System, and AfterOurs Urgent Care execute affiliation and lease agreements

Denver, CO 11/07: John Slack, M.D., Former Chief Medical Officer of Memorial Health System in Colorado Springs, joins AfterOurs Inc. advisory board

Omaha, NE 11/07: Alegent Health AfterOurs announce first clinic in West Omaha

Austin, TX 10/07: St David’s HealthCare (Austin’s Largest Heatlth System) and AfterOurs enter a Memorandum of Understanding to form St. David’s AfterOurs clinics

Denver, CO 10/07: Kevin Smith, Former CEO of Gambro Health Care, US, joins AfterOurs Urgent Care Board of Directors

Denver, CO 5/07: Christopher Rehm, founder of Denver’s Pinnacle Physician Resource Group and Pinnacle Medical Billing, accepts Executive Directorship of AfterOurs

Omaha, NE 5/07: Alegent Health, Nebraska’s largest health system, announces joint venture with AfterOurs, Inc.

Denver, CO 4/07: Terry Peltes, former Certus Corp CEO, joins AfterOurs Inc. Advisory Board of Directors

Denver, CO 11/06: Mark Siemer, former Medical Director of Concentra Healthcare, joins AfterOurs Inc. as Medical Director

Denver, CO 11/06: Chris Roederer, VP of Human Resources for Tampa General Hospital, joins AfterOurs Inc. Board of Directors

For more information about these and other AfterOurs Urgent Care events please contact Jennifer Rehm, Marketing Director, at (720) 339-5225.

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Find More Insurance Denver Press Releases

Denver, CO (PRWEB) December 28, 2006

The Drive Group of Progressive Insurance Companies announced today that it is lowering auto insurance premiums in Colorado by an average of 5.2 percent for new and existing customers effective September 6 and October 16, respectively, and offering two new discounts to customers. The Drive® Insurance from Progressive brand of auto insurance is sold by more than 750 independent agencies in Colorado.

“We’re lowering rates because Drive Insurance continues to see lower claims costs in Colorado as a result of the change from a no-fault system to a tort system,” said Jeff Ewing, Colorado product manager, Drive Insurance. “And our independent agents tell us that discounts are popular – understandably so – so we’re introducing two new ones to Colorado drivers.”

Drive Insurance bases rates on market conditions and its expected cost of doing business and adjusts rates as needed to ensure policies are accurately priced. This is the fifth time Drive Insurance has lowered its rates since July 2003 when auto insurance reforms took effect, for a cumulative reduction of nearly 30 percent. The 5.2 percent rate reduction is a statewide average that will affect individual customers differently; some Drive Insurance customers may experience a larger decrease, a smaller decrease or a rate increase.

“Our message to Colorado drivers is this: Now is the time to visit your local independent agent to make sure you’re getting the combination of coverage, service and price that’s right for you,” said Ewing.

In addition to lower average rates, Drive Insurance is also offering two new discounts: a 5 percent discount to customers who choose the convenience of making payments by Electronic Funds Transfer (EFT); and a Five-Year Accident Free discount that rewards safe driving with up to 7 percent off the premium.

Drive Insurance, sold by independent agents, is a brand of The Progressive Group of Insurance Companies, which also sells the Progressive Direct® brand of insurance over the phone and the Internet. Progressive Direct most recently lowered its rates an average of 7.4 percent in July 2006.

The Progressive Group of Insurance Companies, in business since 1937, ranks third in the nation and fifth in Colorado for auto insurance based on premiums written and provides drivers with competitive rates and 24/7 in-person and online service. The products and services of the Drive Group of Progressive Insurance Companies are offered by more than 30,000 independent insurance agencies and online at www.driveinsurance.com through the Drive® Insurance from Progressive brand. The products and services of the Progressive Direct Group of Insurance Companies are marketed directly to consumers by phone at 1-800-PROGRESSIVE and online at www.progressivedirect.com through the Progressive Direct® brand. The Common Shares of The Progressive Corporation, the Mayfield Village, Ohio-based holding company, are publicly traded at NYSE:PGR. More information can be found at www.progressive.com.

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Fort Collins, CO (PRWEB) May 17, 2006

HSA for America, the nation’s leading broker for individual and family health insurance plans that qualify to work with Health Savings Accounts (HSAs), has just released a comprehensive report on HSAs entitled “The Complete Consumer’s Guide to HSAs.”

Health Savings Accounts enable people with qualifying high-deductible health insurance plans to set aside money in a tax-favored account, which grows tax-deferred and can be used tax-free to pay for future medical expenses. “There seems to be a large lack of understanding about how HSAs work, even among bankers, insurance agents, CPAs and other financial advisors”, says Wiley Long, President of HSA for America. “We put together this report to help people understand how they can use an HSA to lower their taxes and their health insurance premiums, and at the same time build a second retirement account.”

“Because an HSA is the only investment tool that gives you a tax-deduction now, along with tax-free withdrawals later, it is actually the first retirement vehicle you should fund”, added Long. “Medical bills will be a large expense for the typical retiree. By establishing a fund now that can be used to pay for future medical expenses, one can make their retirement dollars go much further.”

Mr. Long points out many people don’t realize all the benefits an HSA plan offers. “You can take money out of your HSA tax-free to cover medical expenses that wouldn’t normally be covered by a health insurance plan.” Examples of expenses that can be paid for from an HSA include alternative medical treatments such as homeopathy, household medical expenses like aspirin or cough syrup, eye exams and dental treatment.

The report, available at no charge from HSA for America, includes strategies for maximizing tax deductions and fund growth, information on record-keeping requirements, and instructions on how to choose the right insurance plan.

Also included is information on choosing an HSA administrator. “When you purchase an HSA-qualified health insurance plan, most insurance companies also help you set up your HSA. But there are many banks and institutions offering health savings accounts with lower fees and more investment options than the HSA available through the health insurance company”, says Long.

About HSA for America:

HSA for America is an online health insurance broker specializing in Health Savings Accounts. Our Mission is to find individuals and families the best coverage available to meet their needs at the lowest price the market offers, while at the same time making the process easy. You can visit us online at http://www.health–savings–accounts.com/.

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